Terms and Conditions

Preliminary Provisions and Acceptance

These provisions constitute the general terms and conditions (the "Terms and Conditions") for the provision of information-society services within the meaning of the Bulgarian Electronic Commerce Act (Закон за електронната търговия - "ЗЕТ"; ZET) and for the provision of crypto-asset services under Regulation (EU) 2023/1114 ("MiCAR") and the Bulgarian Markets in Crypto-Assets Act (Закон за пазарите на криптоактиви, promulgated in State Gazette No. 54/2025, as amended - "ЗПКА"; ZPKA).

The platform available at https://unramp.com (the "Platform") is owned and operated by Unramp OOD, a limited liability company incorporated in Bulgaria (the "Company").

The following documents form an integral part of these Terms and Conditions and apply alongside them: the Privacy and Cookie Policy (available at unramp.com/legal/privacy), the Complaints Handling Procedure (available at unramp.com/support/complaints), the Pricing and Fees Policy (available at unramp.com/legal/pricing), the Conflict of Interest Policy (available at unramp.com/legal/conflict-of-interest), the Risk Warning (set out in Annex 1 below and available at unramp.com/compliance/risk-warning), and the Anti-Money-Laundering / Know Your Customer Policy, as published from time to time. In the event of any inconsistency between these Terms and Conditions and a referenced document, the document that is more specific to the relevant matter prevails.

By accessing the Platform or initiating a transaction, the client confirms that they have read, understood and agreed to be bound by these Terms and Conditions and the referenced documents.

Definitions

In these Terms and Conditions, the following terms have the meanings set out below:

"Client" - any natural person of at least 18 years of age and full legal capacity who initiates a transaction through the Platform. The Services are directed at retail clients within the meaning of MiCAR and are not directed at professional clients.

"Company" - Unramp OOD, Unified Identification Code (UIC) 207160415, registered office at 22 San Stefano Street, San Stefano Plaza, entrance B, 5th floor, office 16, Sofia 1504, Bulgaria, LEI 984500JI09A3E8E14415.

"Crypto-Asset" - a digital representation of value or rights transferable and storable electronically using distributed ledger technology, within the meaning of MiCA Article 3(1)(5), and supported by the Company on the Platform from time to time.

"Exchange of crypto-assets for funds" - the crypto-asset service referred to in Article 3(1)(16)(c) of MiCA, comprising the conclusion of purchase or sale contracts concerning crypto-assets with clients against fiat funds using the Company's proprietary capital. For the avoidance of doubt, the Company acts as principal to each transaction (counterparty to the client) and does not match or transmit client orders.

"FSC" - the Bulgarian Financial Supervision Commission (Комисия за финансов надзор), 16 Budapest Street, Sofia 1000.

"MiCA" - Regulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assets.

"Platform" - the website at https://unramp.com and its sub-sites and mobile versions.

"Services" - the exchange of crypto-assets for funds as further described in Section 4. The Company does not provide custody, exchange of crypto-assets for other crypto-assets, execution of orders on behalf of clients, placement, reception and transmission of orders, advice on crypto-assets, portfolio management or transfer services.

"ЗЗП" - the Bulgarian Consumer Protection Act (Закон за защита на потребителите), as amended.

"ЗПКА" - the Bulgarian Markets in Crypto-Assets Act (Закон за пазарите на криптоактиви), as amended.

Eligibility and Prohibited Jurisdictions

The Services are available to natural persons resident in the European Union or the European Economic Area who are at least 18 years of age and have full legal capacity. By using the Services, the Client confirms that they meet these eligibility criteria, that all data provided is accurate and complete, and that they are not subject to any EU, UN, OFAC or other applicable sanctions.

The Services are not directed at, and may not lawfully be used by, persons resident or located in certain jurisdictions. Prohibited jurisdictions include (without limitation): Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Iran, Iraq, Libya, North Korea, Russia, Sudan, South Sudan and Syria. The Company may, in its sole discretion and in light of applicable sanctions and regulatory considerations, add or remove jurisdictions from this list at any time. Sanctions and comprehensive sanctions screening are described in our AML/CFT Notice.

The Client acknowledges that they are responsible for ensuring that their use of the Services complies with the laws and regulations applicable in their jurisdiction of residence, including any restrictions on the purchase, holding or transfer of crypto-assets. The Company is not liable for any adverse legal or tax consequences arising from the Client's use of the Services in jurisdictions where such use may be restricted or prohibited.

Description of Services

The Company offers, through the Platform, the exchange of crypto-assets for funds within the meaning of Article 3(1)(16)(c) of MiCA. The Company acts as principal (counterparty) to each transaction and provides the crypto-assets from its own inventory and liquidity. The Company does not provide any other crypto-asset service and does not operate a trading platform within the meaning of MiCA.

The Services consist in the purchase by the Client of crypto-assets in exchange for fiat funds. Supported networks and asset categories are published on the Supported assets page; the current list of supported crypto-assets and supported fiat currencies, together with the supported distributed-ledger networks for each crypto-asset, is displayed in real time at buy.unramp.com and may be updated by the Company from time to time. The Company does not undertake to offer any particular crypto-asset, fiat currency or distributed-ledger network on a continuous basis and may, at its sole discretion, suspend, restrict or discontinue the availability of any supported crypto-asset, fiat currency or distributed-ledger network at any time without prior notice, subject to any notification obligations required by applicable law.

The Company receives fiat funds from the Client solely for the purpose of executing the relevant transaction. Fiat funds are applied to the transaction immediately upon clearance and are not held on behalf of the Client.. The Company does not hold the Client's crypto-assets at any time. Crypto-assets purchased by the Client are delivered directly from the Company's own inventory to the Client's wallet address upon execution. For details of the Company's pricing approach, please see the Pricing Methodology (available at unramp.com/legal/pricing).

Pricing, Fees and Costs

All costs and charges (commission, spread and any other amounts payable by the Client) are disclosed to the Client in a clear and itemised manner before the Client confirms a transaction. The Company quotes an exchange rate based on prevailing market rates plus the applicable commission and/or spread.

The pricing principles applied by the Company are set out in the Pricing Methodology (available at unramp.com/legal/pricing), which is published on the Platform and reviewed at least annually. The Pricing Methodology reflects the Company's obligation under Article 77 of MiCA to ensure that the conclusion of purchase or sale contracts for crypto-assets occurs at a price that is published or otherwise communicated to the Client before the conclusion of the contract.

Where applicable, the Company may also disclose to the Client any third-party fees (such as blockchain network fees or payment-processing fees) that will be deducted from or added to the Client's transaction. The total amount payable by the Client is shown to the Client before the Client confirms the transaction.

Order Placement and Execution

A transaction is initiated when the Client submits an instruction to purchase a crypto-asset through the Platform and provides the relevant payment details. Before the Client confirms the transaction, the Platform presents the Client with a summary including: (a) the crypto-asset and quantity to be purchased, (b) the total amount payable in fiat currency, (c) the applicable exchange rate and commission, (d) any applicable third-party fees, (e) the destination wallet address and the selected distributed-ledger network, and (f) the estimated execution time.

Execution normally takes place within one (1) business day from completion of the transaction confirmation, subject to receipt of cleared funds and to network conditions on the relevant distributed ledger. If the Service cannot be provided due to a fault of the Platform or the Company, any fiat funds received from the Client in connection with that transaction will be refunded to the original payment instrument within seven (7) business days. A longer period may apply where required to comply with applicable law, including in the situations described in Section 8.

Due to the volatility of crypto-asset markets, the final quantity of crypto-assets delivered to the Client is determined on the basis of the exchange rate at the time of actual execution, within the tolerance range disclosed to the Client at the point of confirmation. Where the rate moves outside the disclosed tolerance range between confirmation and execution, the Company may re-quote the transaction to the Client or cancel it, in either case, funds received from the Client are refunded in full where the transaction is cancelled.

The Company reserves the right to refuse or cancel a transaction where: (i) execution would contravene applicable law, sanctions or the Company's internal policies, (ii) there are reasonable grounds to suspect fraud, money laundering, terrorist financing, market abuse or other prohibited conduct, (iii) operational or security incidents prevent proper execution, or (iv) the Client has provided incomplete, inaccurate or misleading information. Where legally permitted, the Company will inform the Client of any refusal and the reasons for it.

Wallet Address and Network Selection

The Client is responsible for providing the correct destination wallet address and for selecting the correct distributed-ledger network when initiating a transaction. The Platform validates the format and checksum of the wallet address against the selected network and prevents progression where the format and the network do not match, the Platform does not, however, verify that the Client is the controller of the destination wallet address.

Blockchain transactions are irreversible. The Company cannot recall, reverse or redirect a transaction once it has been broadcast to the relevant distributed-ledger network. Where the Client provides an incorrect wallet address that nevertheless passes the Platform's format and checksum validation (for example, an address that is technically valid but does not correspond to the Client's intended destination), the Company has no obligation to recover the relevant crypto-assets and the Client may suffer total loss of the relevant funds.

The Client is responsible for ensuring that the destination wallet supports the relevant crypto-asset and the relevant distributed-ledger network. Sending crypto-assets to a wallet that does not support the relevant network may result in permanent loss of the crypto-assets.

Refunds and Failed Transactions

Where a transaction cannot be executed by reason of (a) failure of the Platform or the Company, (b) the Client's payment failing to clear, (c) the application of fraud-prevention controls or payer-name mismatch (see Section 7 and Section 9), (d) the application of AML/CFT controls where the outcome of the related internal review is that no suspicious-activity report is filed and no other restriction set out in the next paragraph applies, or (e) any other cause not attributable to the Client and not falling within the next paragraph, the funds received from the Client are refunded to the original payment instrument. Refunds under this paragraph are processed without undue delay and in any event within seven (7) business days, unless a longer period is required to comply with applicable law.

Notwithstanding the foregoing, no automatic refund to the original payment instrument is made where: (i) the funds, the Client, the source account, the destination wallet or any other party to the transaction is or may be subject to EU, UN, Bulgarian or other applicable financial sanctions, asset-freezing measures or comparable restrictive measures, (ii) the Company has filed, intends to file, or is required to consider filing a suspicious-activity report or analogous report with the Financial Intelligence Directorate of the State Agency for National Security (FID-SANS) or another competent financial-intelligence authority, (iii) the funds are subject to a freeze, stop-on-disposition order, seizure or comparable measure directed by a competent authority or applicable by operation of law, (iv) refund to source would breach the prohibition on tipping-off under the Bulgarian Measures Against Money Laundering Act (Закон за мерките срещу изпирането на пари, "ЗМИП"; ZMIP) or under another provision of applicable law, or (v) refund to source would itself constitute, or would risk constituting, a breach of applicable sanctions, AML/CFT or law-enforcement obligations of the Company.

In such situations, the funds will be retained by the Company's payment-service providers or banking partners as required by applicable law and the directions of competent authorities, and will be released, frozen or disposed of exclusively in accordance with such law and directions. The Company does not exercise discretionary control over such funds beyond what is required by applicable law. The Company will inform the Client of the position to the extent permitted by applicable law. Where the Company is legally prohibited from informing the Client (in particular by virtue of the tipping-off prohibition under ZMIP or equivalent provisions of applicable law), the Company will not disclose the reasons for the non-refund.

Where the original payment instrument is not available to receive a refund (for example, where the relevant card has been cancelled or closed), the Company may, subject to applicable law and the restrictions set out in this Section 8, refund the funds to a different payment instrument or bank account held in the name of the Client, subject to enhanced due-diligence checks verifying that the alternative account is held in the name of the Client.

Where the Client requests a refund of a transaction that has been fully executed (i.e. where the crypto-assets have been broadcast to the relevant distributed-ledger network), the request is reviewed on a case-by-case basis by the Company's customer-support function. Refunds of fully executed transactions are not provided as a matter of right and are subject to the right-of-withdrawal exclusion set out in Section 10.

AML/CFT, Sanctions and Transaction Holds

The Company is subject to anti-money-laundering and counter-terrorist-financing ("AML/CFT") and sanctions obligations under EU and Bulgarian law, including the Bulgarian Measures Against Money Laundering Act (Закон за мерките срещу изпирането на пари, "ЗМИП") and Regulation (EU) 2023/1113 on information accompanying transfers of funds and certain crypto-assets (the "Transfer of Funds Regulation").

The Client undertakes to provide complete and accurate information for the purposes of customer due diligence and any subsequent enhanced due diligence requested by the Company. The Company may at any time request additional information or documentation from the Client where necessary to comply with its AML/CFT obligations.

Where the Company is required to withhold the execution of a transaction for AML/CFT, sanctions or fraud-prevention reasons, it will do so without prior notice to the Client where required by law (in particular, where notification would breach the prohibition on tipping-off under the ЗМИП or equivalent provisions). Where legally permitted, the Company will inform the Client of the hold and the expected next steps.

Funds subject to a sanctions measure, an asset-freeze, a competent-authority stop-on-disposition order, a pending or filed suspicious-activity report or a comparable restriction are not refunded to the original payment instrument by way of automatic process. Such funds are held by the Company's payment-service providers or banking partners, and are released, frozen or otherwise disposed of in accordance with applicable AML/CFT and sanctions law and the directions of competent authorities (including FID-SANS and, where applicable, the FSC and the European Union sanctions framework). The Company does not exercise discretionary control over such funds beyond what is required by applicable law. The position on refunds in such situations is set out in further detail in Section 8.

Fraudulent use of payment instruments, market manipulation, insider dealing, structuring of transactions to avoid AML/CFT thresholds, use of the Services to launder the proceeds of crime, and other abusive or prohibited practices are strictly prohibited.

Pre-Contractual Information and Right of Withdrawal

Before the Client confirms a transaction, the Platform makes available to the Client, in a clear and comprehensible manner, the information required by applicable EU and Bulgarian consumer-protection law for distance contracts (in particular Article 47 of the ЗЗП) and by MiCA, including: the identity of the Company, the main characteristics of the relevant crypto-asset and the Services, the total price including all costs, fees and taxes, the means of payment, the manner and time of execution, the applicable risk warnings (as set out in Annex 1), the rules on liability of the Company, the available complaint mechanisms, and the rules on the right of withdrawal.

Pre-contractual information is made available to the Client as a mandatory step in the transaction flow, which the Client must acknowledge by an active confirmation (such as ticking a confirmation box) before the transaction is processed.

Due to the nature of the Services - namely, the exchange of fiat funds for crypto-assets at a price dependent on fluctuations in financial markets which cannot be controlled by the Company and which may occur during the withdrawal period - the Client does not have a right of withdrawal from an individual exchange transaction once it has been confirmed by the Client. This exclusion reflects the financial-services-with-market-fluctuations exclusion under Article 16(1)(b) of Directive 2011/83/EU on consumer rights, as transposed into Bulgarian law in the ЗЗП. The exclusion of the right of withdrawal does not affect any other right of the Client under applicable consumer-protection law (including the right to refund where a transaction is not executed by the Company).

As the Services are provided on a per-transaction basis and the Company does not operate accounts or hold balances on behalf of Clients, no ongoing framework relationship is required to use the Platform. A Client who does not wish to make further use of the Services may simply cease transacting — no notice, closure procedure or formality is required. Where a Client wishes to formally notify the Company of their decision to cease using the Services, they may do so at any time, without cost, by written notice to the Company through the channels set out in Section 17. Such notification does not affect any transaction that has been confirmed by the Client and is in the course of execution, nor does it affect the Company's obligation to retain records under applicable AML/CFT, MiCA and accounting law.

Risks of Crypto-Assets

Crypto-assets are high-risk and complex financial instruments. By engaging with the Services, the Client confirms that they understand and accept the risks set out in the Risk Warning in Annex 1 of these Terms and Conditions (also available as a stand-alone page at unramp.com/compliance/risk-warning).

The Risk Warning includes, among other things, warnings that: the value of crypto-assets is highly volatile and the Client may lose all the money used to purchase crypto-assets crypto-assets are not covered by deposit-guarantee schemes or investor-compensation schemes, the Client is responsible for understanding the tax implications of using the Services, the crypto-asset market is global and operates continuously, leading to high volatility, and changes in laws and regulations applicable to crypto-assets may affect the availability, value or legal status of specific crypto-assets or the Services.

The Client acknowledges that the Company does not provide investment advice or services. Crypto-assets are generally suitable only for persons who understand high-risk transactions and who can afford to lose the entire spent on crypto-asset purchases. The Client should consider seeking advice from an independent and qualified adviser before deciding whether the Services are appropriate for them.

Conflicts of Interest

The Company maintains policies and procedures to identify, prevent and manage conflicts of interest that may arise in connection with the Services, in accordance with Article 72 of MiCA. The general principles applied by the Company and the categories of conflicts identified by it are set out in the Conflict of Interest Policy (available at unramp.com/legal/conflict-of-interest). Where a conflict of interest cannot be reliably managed in a manner that prevents an adverse effect on the interests of the Client, the Company discloses the conflict to the Client before providing the relevant Service.

Personal Data Protection

The Company processes the Client's personal data in accordance with Regulation (EU) 2016/679 (the General Data Protection Regulation), the Bulgarian Personal Data Protection Act and applicable EU and Bulgarian data-protection law. The categories of personal data processed, the purposes and legal bases of processing, the recipients of personal data, the rules on transfers outside the European Economic Area, the retention periods and the rights of the Client are set out in the Privacy and Cookie Policy (available at unramp.com/legal/privacy), which forms an integral part of these Terms and Conditions.

Intellectual Property

All intellectual-property rights in the Platform - including (without limitation) the underlying software, source code, graphical user interfaces, text, images, logos, trademarks, and other content - belong to the Company or are used by the Company under licence. The Client is granted a non-exclusive, non-transferable, revocable licence to access and use the Platform solely for the purpose of using the Services in accordance with these Terms and Conditions. The Client may not copy, modify, reverse-engineer, distribute, license, sell or otherwise exploit any part of the Platform without the Company's prior written consent.

Liability and Force Majeure

Nothing in these Terms and Conditions limits or excludes the Company's liability for: (a) death or personal injury caused by the Company's negligence, (b) fraud or fraudulent misrepresentation, (c) breach of mandatory consumer-protection obligations under the ЗЗП or other applicable consumer-protection law, or (d) any other liability that cannot lawfully be limited or excluded under applicable law.

Subject to the foregoing, the Company is not liable for, whether in contract, tort or otherwise: (i) market losses arising from movements in the price of crypto-assets, (ii) loss of or unauthorised access to the Client's wallet credentials or devices, (iii) consequences of the Client providing inaccurate or incomplete information, (iv) the actions or omissions of third parties not under the Company's control (including blockchain networks, miners, validators, custodians of crypto-assets and payment-service providers), (v) any indirect, consequential, special or punitive damages, to the fullest extent permitted by applicable law,(vi) any loss of profit, loss of business opportunity, loss of goodwill or loss of anticipated savings, to the fullest extent permitted by applicable law, (vii) any loss arising from the incompatibility of the destination wallet with the relevant crypto-asset or distributed-ledger network selected by the Client, or (viii) any delay in the execution or settlement of a transaction attributable to network conditions on the relevant distributed-ledger network, including congestion or validator behaviour.

To the fullest extent permitted by applicable law, the Company's total aggregate liability to the Client in respect of any single transaction shall not exceed the amount of the fees actually received by the Company from the Client in connection with that transaction.

The Company is not liable for any failure or delay in the performance of its obligations to the extent that the failure or delay results from circumstances beyond the Company's reasonable control, including (without limitation): outages, congestion, forks, attacks or other interruptions of distributed-ledger networks, regulatory interventions or decisions of competent authorities, cyber-attacks, failure of telecommunications, electricity or other essential infrastructure of a kind generally affecting users in the relevant jurisdiction, pandemic measures, war, civil unrest or terrorism, and other events of force majeure. In such circumstances, the Company will use reasonable endeavours to notify Clients and to restore normal service as soon as practicable.

Complaints and Dispute Resolution

The Company maintains a Complaints Handling Procedure in accordance with Article 71 of MiCA and Commission Delegated Regulation (EU) 2025/294, available at unramp.com/support/complaints. The Complaints Handling Procedure sets out the channels through which the Client may submit a complaint, the information to be provided in a complaint, and the time-limits applicable to the Company's response.

Complaints may be submitted by email to [email protected] or through the channels identified in the Complaints Handling Procedure. The Company acknowledges receipt of each complaint without undue delay (and in any event within three (3) business days of receipt) and provides a substantive response within fifteen (15) business days of receipt, extendable to thirty-five (35) business days in particularly complex cases, with a written interim explanation given to the Client within the original fifteen (15) business-day period.

Where a Client is not satisfied with the Company's substantive response to a complaint, the Client may escalate the matter to the FSC at 16 Budapest Street, Sofia 1301 (www.fsc.bg). Clients who qualify as consumers under the ЗЗП may also contact the Bulgarian Commission for Consumer Protection (Комисия за защита на потребителите, КЗП), 4a Slaveykov Square, Sofia 1000 (www.kzp.bg). Eligible Clients may also use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.

Communications, Notices and Customer Support

General questions about the Services and customer-support matters may be addressed to the Company through the channels published on the Platform, including the Help & Support page (available at unramp.com/support/contact) and the Frequently Asked Questions page (available at unramp.com/support/faq). Supported networks and asset categories are published on the Supported assets page; the live list of supported crypto-assets, networks, fiat currencies and payment methods is shown at checkout on buy.unramp.com.

Notices and other communications from the Company to the Client are made through the contact channels provided by the Client in connection with a transaction (in particular, the Client's email address), or by means of a notice published on the Platform. Notices from the Client to the Company are made through the contact channels published on the Platform or by post to the Company's registered office identified in Section 2.

The Company communicates with the Client in English and in Bulgarian, at the Client's preference where supported by the relevant Platform feature. Where a translation of these Terms and Conditions or any referenced document is provided, the language version designated as authoritative in that document prevails in the event of any inconsistency.

Term, Termination and Amendment

These Terms and Conditions apply to each transaction initiated by the Client through the Platform. The Client is bound by the version of the Terms and Conditions in force at the time each transaction is initiated..

The Client may cease using the Services at any time, without notice and without any cost. As Unramp does not operate accounts or hold balances on behalf of Clients, no account-closure process is formally required — the Client may simply stop transacting. Ceasing to use the Services does not affect any transaction that has been confirmed by the Client and is in the course of execution.

The Company may cease providing the Services to the Client (a) on thirty (30) days' written notice for legitimate reasons, or (b) without notice where required to do so by applicable law or by a competent authority, where the Client is in material breach of these Terms and Conditions, where continued provision of the Services would expose the Company to AML/CFT, sanctions or fraud risk, or where the Client engages in fraudulent, abusive or unlawful conduct in connection with the Services.

The Company reserves the right to amend these Terms and Conditions for legitimate reasons, including changes in applicable law, changes in the Services, security or operational reasons, or to clarify ambiguities. Clients will be notified of material amendments by email at least thirty (30) days before the amendment takes effect, and the amendment is set out in full on the Platform during that period. Where the Client does not agree to a material amendment, the Client may cease using the Services before the amendment takes effect, without cost, and the amended Terms and Conditions will not apply to that Client. Continued use of the Services after the amendment takes effect constitutes acceptance of the amended Terms and Conditions.

Assignment and Severability

The Client may not assign or transfer any of their rights or obligations under these Terms and Conditions to a third party without the prior written consent of the Company.

The Company may transfer or assign its rights and obligations under these Terms and Conditions to a successor entity, an affiliate, or another regulated entity in connection with a reorganisation, merger, acquisition or transfer of business, provided that: (i) the successor entity holds the regulatory authorisations required to perform the Services, (ii) Clients are notified in accordance with the amendment procedure set out in Section 18, and (iii) the Client's rights are not adversely affected by the transfer.

If any provision of these Terms and Conditions is found to be invalid, unlawful or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid, lawful and enforceable, and the remaining provisions shall continue in full force and effect.

Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the Republic of Bulgaria, without prejudice to the mandatory consumer-protection rules of the Client's country of residence (including the ЗЗП where applicable).

Disputes arising out of or in connection with these Terms and Conditions are settled by the court of competent jurisdiction at the seat of the Company, subject to the mandatory consumer-protection rules of the Client's country of residence (which may give the Client the option to bring proceedings before the court of their country of residence). Clients may also submit a complaint to the FSC or, where they qualify as consumers, to the KЗП, as further described in Section 16.

Final Provisions

These Terms and Conditions are available in English and Bulgarian. The Bulgarian-language version is published in parallel and is the authoritative version for the purposes of the ЗЗП and other mandatory Bulgarian consumer-protection law applicable to Clients resident in Bulgaria, in all other respects, the language versions are equally authoritative and any inconsistencies are resolved in favour of the version more protective of the Client.

These Terms and Conditions, together with the documents identified in Section 1 and the Annexes below, constitute the entire agreement between the Company and the Client with respect to the Services and supersede all prior agreements, representations and understandings between them in relation to the same subject matter.

ANNEX 1 - Risk Warning and Important Disclosures

This Risk Warning forms an integral part of the Terms and Conditions and is referenced from Section 11. It is also published as a stand-alone page on the Platform at unramp.com/compliance/risk-warning.

By proceeding with a crypto-asset transaction through the Platform, the Client confirms that they have read, understood and accepted the following:

• Capital at risk - The value of crypto-assets is highly volatile. The Client may lose all funds used to purchase crypto-assets.

• No guaranteed returns - The Company does not guarantee any specific return or profit on the purchase of crypto-assets.

• No investor protection - Crypto-assets are not covered by deposit-guarantee schemes or investor-compensation schemes under EU or Bulgarian law.

• Market volatility - The crypto-asset market operates globally and continuously, leading to high volatility. Prices can move significantly between the moment a transaction is confirmed and the moment it is executed.

• Suitability - Crypto-assets are generally suitable only for persons who understand high-risk transactions and can afford to lose the entire amount spent on crypto-asset purchases.

• Operational and security risks - Loss of or unauthorised access to the Client's wallet credentials or devices, or compromise of those credentials, may result in permanent loss of crypto-assets. The Client is responsible for the security of their own wallets, devices and credentials.

• Irreversibility of blockchain transactions - Blockchain transactions are irreversible. The Company cannot recall, reverse or redirect a transaction once it has been broadcast to the relevant distributed-ledger network.

• Wrong-address and wrong-network risk - Sending crypto-assets to a wallet address that does not correspond to the Client's intended destination, or to a network that the destination wallet does not support, may result in permanent loss.

• Tax implications - The Client is responsible for understanding and complying with their tax obligations in respect of the purchase and holding of crypto-assets in their jurisdiction of residence and any other relevant jurisdiction.

• Scams and fraud - The Client should exercise caution when receiving unsolicited offers, advice or instructions relating to crypto-assets, including instructions purporting to come from the Company. The Company will never ask the Client to send crypto-assets to an address other than the Client's own wallet, nor to share access credentials.

• Independent advice - The Company does not provide investment advice or services. The Client should consider seeking advice from a qualified and independent adviser before deciding whether the Services are appropriate for them.

• Regulatory risk - Changes in laws or regulations governing crypto-assets - including MiCA implementing measures, national legislation, sanctions and decisions of competent authorities - may affect the availability, value or legal status of specific crypto-assets or the Services.

• Liquidity risk - Some crypto-assets may be illiquid or subject to significant price impact when bought or sold. There is no guarantee that a market will exist for any particular crypto-asset at the time the Client wishes to transact.

• Concentration risk - The Client should be cautious about concentrating a significant portion of their assets in any one crypto-asset or in crypto-assets generally.

By confirming a crypto-asset transaction through the Platform, the Client confirms that: (i) they fully understand the risks set out above, (ii) they have the financial means to bear the loss of their entire amount spent on crypto-asset purchases, (iii) they accept that crypto-asset transactions are not covered by investor-protection schemes, and (iv) they have made their own independent decision to use the Services.

ANNEX 2 - Hyperlinks Reference

The following table consolidates the documents and pages hyperlinked from these Terms and Conditions. The URLs are to be populated by the Company's web team prior to publication. This Annex is provided for internal traceability and may be omitted from the public-facing version of the Terms and Conditions if preferred.

Linked document / page	URL (to be populated by dev team)	Referenced in
Privacy and Cookie Policy	unramp.com/legal/privacy	Sec. 1, 13
Pricing Methodology	unramp.com/legal/pricing	Sec. 1, 4, 5
Conflict of Interest Policy	unramp.com/legal/conflict-of-interest	Sec. 1, 12
Complaints Handling Procedure	unramp.com/support/complaints	Sec. 1, 16
Risk Warning (stand-alone page, also at Annex 1)	unramp.com/compliance/risk-warning	Sec. 11, Annex 1
Help & Support	unramp.com/support/contact	Sec. 17
Frequently Asked Questions (FAQ — supported assets, networks, fiat currencies and payment methods)	unramp.com/support/faq	Sec. 17
Supported assets (networks and categories; live list at checkout)	unramp.com/support/supported-assets	Sec. 4, 17

Unramp OOD | UIC 207160415 | 22 San Stefano Street, Sofia 1504, Bulgaria — Document owner: Unramp OOD — Compliance / Legal